CRE Relationship Manager IV

Amerant Bank NA; West Palm Beach (FL); On-site; USD 120,000 - 170,000; Full time

Job summary

Amerant Bank NA in Florida seeks a senior Relationship Manager focused on CRE loan production and deposit growth, to source, structure, and close complex financing transactions and cross-sell bank services.

You will engage communities, manage relationships, evaluate credit, negotiate with counsel, present to loan committees, and mentor junior staff while ensuring compliance with BSA/AML and regulatory requirements.

Qualifications

• Bachelor's degree required; MBA or related advanced degree preferred.
• Strong knowledge of real estate markets, credit analysis and underwriting.
• Experience structuring CRE loans and managing loan portfolios.

Responsibilities

• Responsible for loan production and cross-sell goals.
• Engage customers to identify financial needs and offer banking products.
• Develop new business through networking, referrals, and COIs.
• Maintain and deepen existing client relationships.
• Understand credit underwriting for CRE loans and term sheets.
• Represent bank in the community and lead professional engagements.
• Manage partnerships to drive business opportunities.
• Structure and negotiate complex CRE loan terms with counsel.
• Monitor loan policy exceptions, credits, covenants and site inspections.
• Present to Loan Committee and senior managers; strong communication skills.
• Review appraisals and reports for compliance with terms and policy.
• Coach and mentor junior relationship managers.
• Demonstrate knowledge of real estate finance and hedging instruments.
• Identify credit risks and develop action plans to mitigate losses.
• Ensure compliance with BSA, USA Patriot Act, OFAC and AML regulations.

Skills

Loan production

Deposit gathering

Client relationship management

CRE lending

Credit underwriting fundamentals

Presentation skills

Regulatory compliance

SWAPs / Hedging instruments

Capital markets / loan participations

Education

Bachelor's Degree

MBA or MS in CRE Investment/Finance

Job description

Maximize share of wallet and products penetration. Loan generation and deposit gathering are your priority, along with cross selling any other Bank Services your clients need. The relationship manager serves as the account and transaction quarterback from sourcing the relationship to closing of the transaction.

Responsibilities

• Responsible for loan production, deposit gathering, and other cross-sell goals.
• Expert at engaging with customers regularly to identify their financial needs and offer the relevant banking products that meet them.
• Generates and develops new business relationships through networking, cultivating referral sources and COIs.
• Maintains, nurtures and deepens existing client relationships.
• Expert understanding of credit underwriting fundamentals as it relates to RE secured credits of all types (i.e. Land Acquisition, Construction, Transitional/Bridge, and Permanent Financing).
• Maintains a strong presence with the local community through active involvement and leadership roles in various professional organizations and events.
• Manages cross-company partnerships and alliances designed to acquire and drive business opportunities.
• Responsible for structuring and negotiating complex CRE loan term sheets and loan documents in partnership with counsel.
• Maintains and ensures high quality loan portfolio though the support of underwriting and portfolio management team by monitoring loan policy exceptions, ongoing review of credits, loan covenant compliance, and site inspections. Must have the ability to effect desired results when dealing with the different areas and departments of the Bank.
• Makes regular presentations to Loan Committee and other Senior Managers. As such must have demonstrated ability in high level effective communication and presentation skills.
• Review the contents of appraisals, appraisal review, cost analysis and environmental reports to ensure compliance with approved terms, as well as Bank's policy and regulatory requirements.
• Coaching and mentoring of junior relationship managers in the team.
• Excellent understanding of complex SWAPs and other Hedging instruments
• Capital market perspective and proven ability to sell loan participations and syndicated loans.
• Identify credit risks associated with a transaction, recommend and follow-up with a plan of action to improve/resolve identified problems and avoid potential losses to the Bank.
• Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues.
• To identify, evaluate, monitor and make any recommendation deemed necessary to their respective Risk Management Committee in order to assess, reduce, eliminate or control any current or prospective risks to earnings or capital arising from violations of, or nonconformance with, laws, rules regulations, prescribed practices, internal policies and procedures or ethical standards.

Minimum Education And/or Certifications Requirements

Bachelor's Degree. MBA or MS in CRE Investment/Finance required.

Additional Requirements

• Applicant must be NMLS registered and provide the company with NMLS number or be willing to register in NMLS prior to employment being offered. Additionally, FBI Criminal Background and credit check must be successfully passed before job offer is presented.

Minimum Work Experience Requirements

10 years of previous experience in business development, credit portfolio managing and analysis and structuring of CRE credit transactions in the assigned local market. Formal credit training required.

Technical And/or Other Essential Knowledge

Excellent knowledge of local Real Estate industry; expert real estate credit skills; financial statement analysis, real estate construction and credit structuring. Excellent oral and written communication skills. Strong leadership and coaching abilities.